Και εγένετο Libra …

Kostas Kalogerakis
Jun 18 · 4 min read

Όλοι όσοι ασχολούνται με το blockchain τα τελευταία χρόνια θα πρέπει να κρατήσουν στη μνήμη τους την Τρίτη 18 Ιουνίου. Εδώ και μήνες υπήρχε η αναμονή της ανακοίνωσης του stablecoin από το Facebook, η οποία τελικά και έγινε πριν από μερικές ώρες από τον ίδιο τον Μάρκ Ζούκερμπεργκ.

Μπορείτε να τη διαβάσετε παρακάτω και να επισκεφτείτε το site όπου υπάρχει και το σχετικό White Paper: https://libra.org/en-US/

Μερικές πρώτες σκέψεις:

· Στόχευση σε unbanked πληθυσμό, εκεί δηλαδή που πραγματικά υπάρχει ένα κενό που μπορεί να καλυφθεί από μια εναλλακτική μορφή μεταφοράς χρηματικής αξίας: το financial inclusion είναι βασικός στρατηγικός στόχος, αλλά οι επιπτώσεις θα είναι πολυεπίπεδες σε όλες τις αγορές δεδομένης της κλίμακας του Facebook (με την εξαίρεση της Κίνας)

· Ορθή η τοποθέτηση του εγχειρήματος ως ένα ανοικτό οικοσύστημα με αποκεντρωμένη μορφή διακυβέρνησης και η δημιουργία ειδικού φορέα εκτός Facebook (Calibra)

· Συγκέντρωση 27 πολύ δυνατών ονομάτων και φορέων στο οικοσύστημα, ανάμεσα τους Visa, Mastecard, Coinbase, Spotify, Vodafone, eBay, Stripe και Uber, ενώ θα προστεθούν και άλλοι μέχρι τη έναρξη λειτουργιών το 2020

· Μεγάλη έμφαση στο θέμα της ασφάλειας και των διαδικασιών know-your-customer μιας και τα cryptocurrencies έχουν ήδη συγκεντρώσει αρκετή αρνητική δημοσιότητα

· Αοριστία ως προς τη σχέση και τις αντιδράσεις των ρυθμιστικών αρχών: μάλλον εδώ βρίσκεται και η μεγαλύτερη πρόκληση του εγχειρήματος και για αυτό δε συμμετέχουν από την αρχή μεγάλα τραπεζικά ιδρύματα

· Δυνατότητα δημιουργίας μιας νέας πλατφόρμας τραπεζικών εργασιών για χρήση και από τα παραδοσιακά τραπεζικά ιδρύματα, πέρα από τις FinTech, πχ Stripe, που ήδη συμμετέχουν ή θα συμμετέχουν στο μέλλον

Θα επανέλθουμε όμως σε αυτό το θέμα και μετά από την ερχόμενη συνάντηση του Hellenic Blockchain Hub με περισσότερες ιδέες και απόψεις των μελών ως προς τα πιθανά σενάρια που μπορεί να δούμε να εκτυλίσσονται.

Extract from Mark Zuckerberg Facebook account (18/6/2019)

“Today, Facebook is coming together with 27 organizations around the world to start the non-profit Libra Association and create a new currency called Libra.

Libra’s mission is to create a simple global financial infrastructure that empowers billions of people around the world. It’s powered by blockchain technology and the plan is to launch it in 2020. You can read more about the association here: https://libra.org

Being able to use mobile money can have an important positive impact on people’s lives because you don’t have to always carry cash, which can be insecure, or pay extra fees for transfers. This is especially important for people who don’t have access to traditional banks or financial services. Right now, there are around a billion people who don’t have a bank account but do have a mobile phone.

We aspire to make it easy for everyone to send and receive money just like you use our apps to instantly share messages and photos. To enable this, Facebook is also launching an independent subsidiary called Calibra that will build services that let you send, spend and save Libra — starting with a digital wallet that will be available in WhatsApp and Messenger and as a standalone app next year.

Calibra will be regulated like other payment service providers. Any information you share with Calibra will be kept separate from information you share on Facebook. From the beginning, Calibra will let you send Libra to almost anyone with a smartphone at low to no cost. Over time, we hope to offer more services for people and businesses — like paying bills with the push of a button, buying coffee with the scan of a code, or riding local public transit without needing to carry cash or a metro pass.

In addition to our efforts, many other companies will build their own services using Libra — from payment companies like Mastercard, PayPal, PayU, Stripe and Visa, to popular services like Booking, eBay, Farfetch, Lyft, Spotify and Uber, to non-profits doing important work around financial inclusion like Kiva, Mercy Corps and Women’s World Banking, to companies in the crypto space like Anchorage, Coinbase, Xapo, and Bison Trails. A number of leading Venture firms are also joining to help drive innovation on the Libra network. We’re hoping to have over 100 cofounding members of the Libra Association by the time the network launches next year.

All of this is built on blockchain technology. It’s decentralized — meaning it’s run by many different organizations instead of just one, making the system fairer overall. It’s available to anyone with an internet connection and has low fees and costs. And it’s secured by cryptography which helps keep your money safe.

This is an important part of our vision for a privacy-focused social platform — where you can interact in all the ways you’d want privately, from messaging to secure payments.

Privacy and safety will be built into every step. For example, Calibra will have a dedicated team of experts in risk management focused on preventing people from using Calibra for fraudulent purposes. We’ll provide fraud protection so if you lose your Libra coins, we’ll offer refunds. We also believe it’s important for people to have choices so you’ll have the options to use many other third-party wallets on the Libra network.

There’s still a lot more to learn and do before Libra will be ready to officially launch. We know it’s a major undertaking and responsibility — and we’re committed to getting this right. We’ve been working with policymakers and experts in areas like financial inclusion, economics, security, privacy and blockchain, and we’ll continue listening to their feedback as we figure out the best way to move forward. We’re thankful for their partnership, and for all the businesses, organizations, and academic institutions that are part of the Libra Association.

This is the beginning of an exciting journey and I’m looking forward to sharing more soon.”

Hellenic Blockchain Hub (EL)

The Hellenic Blockchain Hub Newsfeed in Greek

Kostas Kalogerakis

Written by

Passionate about innovation and new exponential technologies / FinTech Lead in Digital Business of NBG / Vice-Chairman of Hellenic Blockchain Hub

Hellenic Blockchain Hub (EL)

The Hellenic Blockchain Hub Newsfeed in Greek

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